Dave and Dharm DeMystify

The guests on this week's fascinating show are Adam Moulson, COO of Griffin Bank and Garrett Foxon, CEO of LettsPay. Lettspay provides client accounts for Landlords, which are underpinned by Griffin's banking licence. While the Lettspay solution sounds relatively niche, it plays in a massive market with over 4.5 million landlords in the UK and over 15000 real estate agents. Garrett talks about how...

David Jarvis is the CEO and co-founder of Griffin. Griffin is the UK's only full-stack Banking-as-a-service bank. It is a very young organisation, receiving its license in March 2023. David talks to us about his background working in development infrastructure for companies such as Airbnb in California, how he moved into the fintech space, and then how he jumped to founding a bank in the UK. David...

In this episode, our guest is Naif AbuSaida, the CEO and founder of Hakbah, a Saudi Arabian fintech focused on group savings. Naif talks us through his fascinating background, from being a media personality to working in utilities before moving into banking. Naif tells us about how it was whilst undergoing chemotherapy for stage 3 colon cancer that he re-assessed his life and decided he wanted to...

Dave and Dharm chat with Andy Ellis, CEO of NatWest Boxed, and Noah Sharp, CEO of Vodeno, about Banking As A Service. Boxed is a new BaaS provider from the banking heavyweight NatWest and European BaaS provider Vodeno. Rather than develop its core banking BaaS solution, NatWest partnered with Vodeno. In this episode, we learn why NatWest partnered rather than built or used its own platform. Andy a...

Herve Manceron is the founder and CEO of Skaleet, a French SaaS-based core banking provider. Herve started out in Telecoms, which many recognise as a vertical that is similar to banking. Herve clearly explains the similarities and what banking can still learn from an industry that has already gone through a technology transformation leveraging cloud technology. During his time in Telecoms, he was...

Chris Tremont is Chief Digital Officer of Grasshopper Bank and Chris Dean is CEO of Treasury Prime, the embedded banking platform that Grasshopper uses.

Zor Gorelov is the founder and CEO of Kasisto the conversational AI company focused on Financial Services. Zor has a long history with conversational interfaces, having worked on them at Bell Labs over 30 years ago. He talks to us about his views on how and where to deploy these interfaces. We discuss the success of Kasisto and how it is now deployed in over 50 financial services companies of all...

U-Zyn Chua is the CTO and co-founder of Cake Group, a company focused on simplifying decentralised finance (DeFi) for retail users. He has been deeply involved in the cryptocurrency sector since 2009, starting with Bitcoin. His entry into the crypto world was motivated by his interest in cybersecurity and cryptography. In the early days, he actively participated in Bitcoin forums, earning some Bit...

Prema is The President of Product and COO of Temenos. She has a long history with Temenos, having started in the business in 1999 as an engineer before working her way up to a leadership position. She has had a ringside seat on the changes that have happened in digital banking. In this exceptional podcast, Prema takes us straight to the heart of the matter and talks about that and how the core of...

Max Faldin is the founder of Silverbird, a fintech that serves exporters and importers around the globe. Max talks to us about how his frustrations with "the archaic, broken system" of cross-border payments led him to found Silverbird, an SME-focused fintech. Max talks us through the incredible scale of the opportunity and how by using technology, he has managed to bring the costs to customers dow...

In this special episode of Dave and Dharm Demystify, Dave is joined by producer Lou Carlozo in a sauna at Money 20/20 to chat with Monika Liikamaa, co-founder of the payments company Enfuce. Monika talks through her history and tells us more about Enfuce and her general views on the payment industry. She is incredibly open, honest and very straight-talking.

This week's guests are Santos Miguel and Dave Feuer from Galileo, a proven financial technology platform for fintechs, offering card issuing, payments and digital banking. Santos and Dave provide different a perspective on BaaS, one that is focused less on the technology and more on banks and their customers.

Nick Drewett is the CCO of Engine by Starling, Starlings BAAS proposition which is cloud-native, modular and entirely API-based. Nick talks about why Starling has launched Engine, the opportunity they see, and how they believe they are differentiated from competitors.

Andrew Sims is co-founder and CEO of nDigital, an integrated banking-as-a-service, card processing and payments group based out of Bahrain. Andrew talks to us about why the global centre of gravity for FinTech seems to be moving towards the Middle East and what nDigital offers through its portfolio of businesses.

Kelvin Tan is Managing Director and Head at SCB Nexus, which is the bank's white-label plug-and-play banking solution. We talked to Kelvin about the history of BAAS in SCB and how Nexus is positioned in the marketplace. We also discussed how the bank is spinning out the IP to create a new entity called Audax Financial Technologies.

Paul was, until recently, Head of Embedded Banking at HSBC. We discuss with him his views on the embedded banking market and its role in helping brands build loyalty with customers.

Joseph Edwin is one of the OG’s of digital transformation. He has worked Client Side for Nordea and Commonwealth Bank of Australia and now is a partner at Bain & Co, focused on helping companies succeed as they transform. Joe does an incredible job of demystifying transformation and telling us about the recipe for success!

Our guests are Mathias Wikström, CEO Doconomy and Henrik Rosvall CEO of Dreams Technology. We chat about the recent acquisition of Dreams by Doconomy and why connecting Carbon Data with finance and behavioural science is critical to help achieve net zero goals. >> Please note that Mathias was in an airport when we recorded the podcast, so there are occasional sound quality issues <

Founder, CEO and Author Matt Phelan chats to us about the Happiness Index, a neuroscience-based platform offering products, insights and tools to shine a light on the cultural health of an organisation.

In this week's episode, we chat with Andrew Barnes, a leading advocate and spokesperson for the 4-day week. Andrew talks about how a trial with his own company turned into a global movement before tackling the benefits and practicalities.

Norris Koppel founded Monese after he moved to the UK and found that opening a bank account was anything but simple. So he decided to fix the problem and launched in September 2015 as the UK's first mobile app alternative to the banks. Norris and Atul talk about Monese and what makes it so special and successful.

Paul Taylor, CEO and Founder of Thought Machine, talks about his background, why he founded the business, and the journey Thought Machine has been on.

Michael Zyber, CEO of Metro AG Financial Services, and Wojciech Sass, Co-founder of Vodeno, talk about how the Vodeno BAAS platform has enabled Metro AG to launch embedded banking products to support its customers and build loyalty.

FAB's Chief Sustainability Officer Shargiil Bashir talks about the critical role of banks in supporting an ESG agenda. As well as addressing the broader aspect of ESG, banking and the Middle East, he discusses why it is so important to FAB and the approach he is taking to ensure that it makes a difference across the bank.

An exclusive interview with Antony Jenkins, founder and CEO of 10x banking. He talks about 10x, including its history from inception to the present day and his future vision for it.